The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,726
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,873
−HK$150/mo
Today · 4.125%
HK$5,023
baseline
▲ 0.50% · 4.625%
HK$5,328
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,046/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,258
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,399
−HK$143/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,834
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,084/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,672
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,848
−HK$179/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,394
+HK$367/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,054/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,310
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,479
−HK$171/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,001
+HK$351/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,300/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,617
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$209/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,460
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,064/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,361
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,559
−HK$200/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,518/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,507
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,772
−HK$269/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,591
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,082/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,464
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$258/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$525/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,952/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).